My Mudra Fincorp Limited

My Mudra Fincorp Ltd, registered on and including online platform(s) www.mymudra.com and the My Mudra “Mobile App”, recognizes the importance of maintaining your privacy. My Mudra is committed to maintaining the confidentiality, integrity, and security of all information of its users. This Privacy Policy describes how My Mudra collects, stores, handles, and transfers certain information received from you via the use of the Website and Mobile App on a need basis. This Privacy Policy applies to the visitors to our Website, our Mobile App users, and our existing and future customers. By visiting and/or using our Website or Mobile App, you are accepting and consenting to the practices described in this Privacy Policy.

By using or continuing to use the Website or Mobile App you agree to our use of your information (including sensitive personal information as defined under the Information Technology Act 2000 and applicable rules/notifications) in accordance with this Privacy Policy, as may be amended from time to time by My Mudra at its sole discretion.

1. Controllers of Personal Information

Your personal data/information will be collected and stored on servers located in India by My Mudra Fincorp Limited along with its parent company (including its representatives, affiliates, and business partners).

2. What Personal Information we gather about you

The information we learn from customers helps us personalize and continually improve your experience at the Website. Here are the types of information we gather:

1.

We receive and store any information or document you enter or upload on our Website or give us in any other way, in line with the product or service opted by you and as required by us or our business partners, including your personal information like first name, last name, email address, date of birth, residence city, etc.

2.

You can choose not to provide certain information but then you might not be able to take advantage of many of our services and features. We neither collect nor store your biometric information.

3.

We may also have one-time access to your camera, microphone, location, and mobile device and store such information only for the purpose of onboarding or KYC requirements of us or our Partner with your explicit consent, in accordance with the Digital Lending guidelines issued by RBI and as amended from time to time.

4.

We might receive information about you from other sources and add it to our account information.

3. Cookies

We use cookies on our Website to maintain the session of your journey and ensure a seamless user experience. These cookies help us track your interactions, personalize your browsing, and provide relevant product recommendations.

4. How do We Use The Information

My Mudra collects your information when you register for an account, when you use its products or services, and when you visit its Website's pages. When you register with My Mudra you are asked for your first name, last name, state and city of residence, email address, date of birth, and sex. Once you register at the Website and sign in, you are not anonymous to us.

Also, you are asked for your contact number during registration and may be sent SMS, notifications about our services to your wireless device.

By registering, you authorize My Mudra (including its business partners and affiliates) to send texts and email alerts to you with your login details and any other service requirements, including promotional mail and SMS, even if you have registered under DND, DNC, or NCPR services.

Your authorization shall be valid as long as your account is not deactivated or unless you withdraw your consent. My Mudra Website may, based on your consent, also access your mobile device including your camera for the purpose of service facilitation and ease of access to our Website for the various services opted by you and in compliance with applicable laws.

5. Purpose for collecting information:

1.

Assist us or our business partners in facilitating and delivering services to you, processing payments and your applications, and communicating with you about products, services, and promotional offers.

2.

Respond to queries, or requests submitted by you, and resolve your grievances/issues/problems with any services supplied to you.

3.

Administer or otherwise carry out our obligations in relation to any agreement with our business partners.

4.

Send you information about special promotions or offers. We might also tell you about new features or products/services. These might be our own offers or products/services, or third-party offers or products/services with whom My Mudra has a tie-up.

5.

Use your information for internal analysis and to provide you with location-based services, such as advertising, search results, and other personalized content.

6.

Use this information to improve our platform, prevent or detect fraud or abuses of our Website, and enable third parties to carry out technical, logistical, or other functions on our behalf. We may combine information we get from you with information about you we get from third parties.

7.

Send you notices, and communications, and recommend services that might be of interest to you, update our records, and generally maintain your accounts with us, display content, and customer reviews.

8.

File storage permissions on Android/iOS and the Website for uploading customer documents are obtained for the purpose of processing customer applications by our Partners.

9.

My Mudra Website may, based on your consent, also access your mobile device including a camera for the purpose of service facilitation, ease of access, and logging in to our Website for the various services opted by you.

10.

As otherwise provided in this Privacy Policy and in compliance with the applicable laws.

11.

Some features of this Website or our Services will require you to furnish your personally identifiable information as provided by you under your account section on our Website.

6. Disclosure to Third Parties

My Mudra will not sell, rent, or otherwise disclose your information for commercial purposes, except as set forth in this Privacy Policy. We may share your information with third parties such as our group companies, employees, agents, business partners (Banks/NBFCs), CICs, Payment Aggregators, and Service Providers with whom we have tie-ups, in line with the purposes outlined in this Privacy Policy.

These parties must handle your information with the same level of care and confidentiality as My Mudra, and in accordance with contractual terms, applicable laws, and your consent.

We may also share your information with government agencies without prior consent if required under law for identity verification, prevention/detection/investigation of offenses, or compliance purposes.

7. Data Storage

My Mudra stores your personal information only on servers located in India. My Mudra may retain your information, including personal information, as required to provide you with the services for the product that you have inquired about or opted for, and for as long as it is necessary for the above purpose or mandated in our arrangements with our business partners. Retention of information is done as per this policy, subject to compliance with applicable laws/regulatory requirements in India.

In the following situations, My Mudra may retain your information for an extended period:

(i)

in case of any requirement for investigations under law or as part of requirements before courts/tribunals/forums/commissions, etc.;

(ii)

to enhance/improve our products/services; and

(iii)

as required under contractual arrangements with business partners.

8. What Is Your Control Over Your Personal Information That’s Collected And Used Online

It's important to note that the information we use about you helps us provide you with products, services, and experiences that benefit you. You have the ability to control how your non-personal information is collected and used online.

You also have the ability to choose what personal information, including what sensitive personal information (i.e., your financial information), you provide to us, and to restrict disclosure of your information to third parties. However, please note that this may affect your seamless access to the product/service opted by you. If you choose not to provide all of the mandatory information and data requested, we may not be able to provide you with the services you have subscribed to.

We believe you should be able to choose what kinds of information you receive via email/SMS. If you do not want to receive marketing materials by email/SMS, indicate your preference in the contact information for your account or by using the 'opt-out' or unsubscribe link provided in our marketing emails. You can also write to us at: support@mymudra.com . Please note that it may take about 10 days to process your request. Keep in mind that we will continue to notify you by email/SMS/phone calls regarding your services with us, even after you have opted out.

You can review the information you have provided to us by logging into your account on the website and correcting or amending any personal information or sensitive personal data to ensure that the data you provided is accurate and/or not deficient. My Mudra is not responsible for the authenticity of any personal information or sensitive personal data supplied by you or any third party.

9. Revocation of Consent

If you believe that we no longer require the retention of your personal information, or if you ask us to delete or remove your personal data where you believe we do not have the right to process it, we shall destroy or delete such customer information. You may, at any time while availing of our services or otherwise, withdraw the consent given earlier to us to collect and use your sensitive personal data by writing to us at: info@mymudra.com . However, if you withdraw such consent, My Mudra shall have the option to stop providing you with the services for which the information was sought. You will not be eligible for a refund of any fees paid for any service in such an event, and you agree that the website shall not be liable to you for the same in any manner whatsoever.

The data may still be required to be retained for the purpose of product servicing, repayment, etc., by us and/or our partners, and as required under any applicable laws. We assure you that such retained information shall be protected in accordance with all cybersecurity norms.

10. Log Files

Like most standard websites, we use log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user movement in the aggregate, and gather broad demographic information for aggregate use. We may combine this automatically collected log information with other information we collect about you. We do this to improve the services we offer, and to improve marketing, analytics, or site functionality.

11. Data Security

Data Security is a certified organization ensuring applicable compliance standards on information security and understands that the confidentiality, integrity, and availability of your information are vital to our business operations and success. We employ appropriate technical and organizational security measures at all times to protect the information we collect from you.

We use multiple electronic, procedural, and physical security measures to protect against unauthorized or unlawful use or alteration of information, and against any accidental loss, destruction, or damage to information. We have implemented appropriate security measures to deal with any suspected data security breach.

However, no method of transmission over the internet or method of electronic storage is 100% secure; therefore, we cannot guarantee absolute security. Further, you are responsible for maintaining the confidentiality and security of your login ID and password, and you must not provide these credentials to any third party.

12. Third-party advertisers and Links to Other Websites

Third-Party Advertising

We may use third-party advertising companies and/or ad agencies to serve ads when you visit our website. These companies may use information (excluding your name, address, email address, or telephone number) about your visits to this website in order to provide advertisements here and on other third-party websites about goods and services that may be of interest to you.

We use third-party service providers to serve ads on our behalf across the internet and sometimes on this website. They may collect anonymous information about your visits to this website and your interaction with our products and services. They may also use information about your visits to this and other websites for targeted advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is an industry-standard technology used by most major websites. No personally identifiable information is collected or used in this process.

Links to Other Websites:

There might be other sites relating to our banking and non-banking partners linked to www.mymudra.com and other affiliates. Personal information that you provide to those sites is not our property or responsibility. These affiliated sites may have different privacy practices, and we encourage you to read the privacy policies of these websites when you visit them. My Mudra holds no responsibility for the content of the privacy policies or terms of use of these third-party websites.

13. Changes in this Privacy Policy

My Mudra reserves the right to change this policy from time to time, at its sole discretion. We may update this privacy policy to reflect changes to our information practices. We encourage you to periodically review it. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the statement.

14. Grievance Officer

The company has appointed a Nodal Grievance Officer to redress customer grievances relating to any digital lending-related complaints. The name and contact details of the Nodal Grievance Officer are provided below:

Name:

Ms. Chhaya Pandit

Address:

Second Floor, 17A/45, WEA, Karol Bagh, New Delhi, Delhi 110005.

Email: chhaya@mudrafincorp.co.in

Call at: 9999155826 (Lines are open Mon-Sat from 9:30 am to 6:30 pm)

If you have questions, concerns, or suggestions regarding our Privacy Policy, we can be reached using the contact information on our Contact Us page or at: support@mymudra.com

15. HDFC Bank Grievance Redressal Officer:

Name:

Ms. Shalini Tandon (Grievance Redressal Officer)

Address:

Grievance Redressal Cell, HDFC Bank Limited, 1st Floor, Empire Plaza - 1, Lal Bahadur Shastri Marg, Chandan Nagar, Vikroli West, Mumbai – 400083

Phone Number: 1800 266 4060 (Operational Monday to Saturday: 9:30 am to 5:30 pm, except 2nd & 4th Saturdays, Sundays, and Bank Holidays)

16. Partnership and Licensing

We partner exclusively with authorized and licensed financial institutions to facilitate loan or credit applications. All loan-related services provided through our app are in compliance with applicable laws and regulations. Some of our lending partners:

HDFC Bank Ltd.	https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/important-messages/hdfc-bank-list-of-lending-service-providers-(lsps).pdf
IDFC First Bank Ltd.	https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/ACTIVE-VENDOR-LIST.pdf
L&T Finance Limited.	https://www.ltfs.com/docs/default-source/default-document-library/lsp-15-06.xlsx?sfvrsn=d7bf5a2e_1

Aditya Birla Finance Ltd: Link

IDFC First Bank Ltd.: Link

L&T Finance Limited: Link

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